Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2020

Regulatory Matters

Schedule of Bank’s actual capital amounts and ratios

	September 30, 2020
										Minimum to be
						Requirements				Well Capitalized
						for Capital				Under Prompt
	Actual				Adequacy Purposes				Corrective Action
(dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
Common equity tier 1 capital to risk weighted assets
Consolidated	$	270,679	13.08	%	$	93,151	4.50	%	$	N/A	N/A
Bank		257,835	12.47	%		93,076	4.50	%		134,443	6.50	%
Tier 1 capital to risk weighted assets										.
Consolidated		278,959	13.48	%		124,202	6.00	%		N/A	N/A
Bank		257,835	12.47	%		124,102	6.00	%		165,469	8.00	%
Total capital to risk weighted assets
Consolidated		354,573	17.13	%		165,603	8.00	%		N/A	N/A
Bank		283,758	13.72	%		165,469	8.00	%		206,836	10.00	%
Tier 1 capital to average assets
Consolidated		278,959	9.76	%		114,293	4.00	%		N/A	N/A
Bank		257,835	9.03	%		114,207	4.00	%		142,759	5.00	%

	December 31, 2019
										Minimum to be
						Requirements				Well Capitalized
						for Capital				Under Prompt
	Actual				Adequacy Purposes				Corrective Action
(dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
Common equity tier 1 capital to risk weighted assets
Consolidated	$	239,672	12.48	%	$	86,452	4.50	%	$	N/A	N/A
Bank		228,512	11.91	%		86,362	4.50	%		124,745	6.50	%
Tier 1 capital to risk weighted assets										.
Consolidated		247,866	12.90	%		115,270	6.00	%		N/A	N/A
Bank		228,512	11.91	%		115,149	6.00	%		153,532	8.00	%
Total capital to risk weighted assets
Consolidated		321,415	16.73	%		153,693	8.00	%		N/A	N/A
Bank		252,436	13.15	%		153,532	8.00	%		191,915	10.00	%
Tier 1 capital to average assets
Consolidated		247,866	11.05	%		91,504	4.00	%		N/A	N/A
Bank		228,512	10.20	%		89,615	4.00	%		112,018	5.00	%